TL;DR.WhiteBIT Nova is a Visa crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $0. Top-up fee 0%, FX fee not disclosed. Wallet support: Apple Pay + Google Pay. Status: Operational. Last verified: July 21, 2026.
CARD PROFILE · FULL KYC
WhiteBIT Nova.
WhiteBIT exchange's debit Visa card with truly zero fees and up to 10% real-BTC cashback. Issued by Wallester AS (Estonia) for 31 EEA + Ukraine countries. Pick 3 cashback categories per day — perfect for habitual everyday spending.
Cost / $100
$0.00
Top-up fee
Free
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +100% fee-free: 0€ top-up, 0€ monthly, 0€ issuance, 0€ cancellation
- +Up to 10% cashback in real BTC or WBT (Subscriptions 10%, Taxi/Pets 5%, Entertainment/Gaming 2%, others 1%)
- +Apple Pay & Google Pay supported
- +Both virtual (instant) and physical card
- +12 supported coins: BTC, ETH, USDC, XRP, SOL, NEAR, ADA, AVAX, WBT, EURI, EURR, DOGE
- +Issued by Wallester AS (Estonia) — Visa Principal Member, regulated by Finantsinspektsioon
- +Fast online onboarding — no video calls
- +Pick up to 3 cashback categories per day
Cons.
- −EEA + Ukraine only (31 supported countries) — US, UK, RU, CA and most non-EEA blocked
- −Cashback capped at €25/month; minimum €5 to claim
- −Physical card delivery costs €12
- −5 EUR reactivation fee after 3 months of inactivity
- −Full KYC required (ID + phone)
- −No IBAN — card draws from WhiteBIT exchange balance
- −Cashback only in BTC or WBT (no fiat option)
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
—
Issuance
Free
Monthly
Free
Cost / $100
$0.00
0€ top-up, 0€ monthly, 0€ opening, 0€ cancellation, 0€ inactivity. Cashback up to 10% in BTC or WBT (cap €25/month, min €5 claim). Physical card delivery: €12. Reactivation after 3 months idle: €5. FX/ATM follow standard Visa rates (not separately disclosed).
COVERAGE
Where it works.
Supported coins
BTCETHUSDCXRPSOLNEARADAAVAXWBTEURIEURRDOGE
Chains
BitcoinEthereumXRP LedgerSolanaCardanoAvalancheWhitechain
Use cases
Online · IRL
Blocked countries
USGBCARUBYCNJPKRAUNZBRMXARINTRCHSGHKAESAILEGNGZAKPIRSYCUVEAFMM
WALLETS
Apple PayYes
Google PayYes
ATMNo
REPUTATION
Trustpilot
3.6/5
425 reviews
Monetiro score
—/100
Verified July 21, 2026
ALTERNATIVES